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Consumer Loans
[ Vehicle Loans / Personal Loans / Line of Credit / Share Secured
Solar Water Heating Loan Program / Loan Insurance Programs / Automatic Loan Payments ]

Kauai Community Federal Credit Union (KCFCU) lends millions of dollars each year to our members. From vehicles to homes, KCFCU offers a full range of loan products. Interest rates are reviewed regularly to ensure they are competitive, making your credit union the best choice for all your financing needs. KCFCU is an equal opportunity lender. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

Loans for New Vehicles
KCFCU will finance up to 100% of the cost of a new car, truck or van. The loan term is 60 months. The term is 72 months for loans exceeding $20,000 and 84 months for loans exceeding $30,000. You can estimate your monthly payment using our Loan Calculator.

Loans for Used Vehicles
KCFCU will finance up to 100% of the Kelley Blue Book value on vehicles less than 5 years old. Terms up to 60 months are available. Use the Loan Calculator to estimate your monthly payments.

Get Pre-Approved!
Apply for your loan prior to shopping for a vehicle. Once your loan is approved, you'll know the purchase price and payment you can afford before selecting the vehicle that's right for you. Pre-approved financing can also give you bargaining power at the dealership.

Credit Union Direct Lending
KCFCU participates in the Credit Union Direct Lending (CUDL) program, which allows you to arrange for your KCFCU auto financing directly at the participating CUDL dealership. All you do is identify yourself to the dealer as a KCFCU member and request your KCFCU auto loan through the CUDL system. Look for the CUDL logo at participating dealerships. Approvals take three to five minutes!

Participating Dealers:

  • Kauai Toyota
  • King Auto Center
  • Kuhio Motors
  • Mid Pac Auto
  • Ohana Motors

Be sure to check out CUDL AutoSmart , which provides you with tools to research new and used vehicles, request pricing and availability on new vehicles from participating CUDL Auto Buying Program Dealers, and much more!

Looking to Buy Your Next Vehicle?

Personal Loan
Finance a new home computer, a family vacation or whatever you may need with a KCFCU Personal Loan. It's also the perfect way to consolidate high-interest debt into one low monthly payment. Qualified members may borrow up to $15,000 for up to 7 years. Use the Loan Calculator for an estimate of your monthly payments.

Lines of Credit
Write yourself a loan whenever you need it! A KCFCU Line of Credit is perfect for emergencies or special purchases. To access your line of credit, simply call 24-Hour Member Accessline, visit ebranch online banking or request an advance in our office or at any KCFCU ATM. Use the Loan Calculator for an estimate of your monthly payments.

Your KCFCU Line of Credit also works as Overdraft Protection! Link your line of credit to your KCFCU Checking Account and never worry about overdrawing your account. This benefit is available to all qualified members!

Share Secured Loan
Secure a loan for up to 10 years with 100% of the amount reserved in your Regular Share Savings Account. Members can also secure a loan for up to 7 years with a partial amount (50%, 25%,10%) reserved in a Regular Share Savings Account. Competitive rates are available and are based on the amount secured. Use the Loan Calculator for an estimate of your monthly payments.

Other Loans
Additional loans are also available, including those secured by Share Certificates. Check with your nearest branch office for details.

Solar Water Heating Loan Program
KCFCU has partnered with Kauai Island Utility Cooperative and Kauai County Housing Agency to provide qualifying members with no interest loans for solar water heating. Members taking advantage of this program will be obligated to pay the loan within 5 years (60 months).

To take advantage of this loan discount program, contact our Lihue Main Office at (808) 245-6791 and ask to speak to a Loan Counselor. For more information on the Solar Water Heating Program, click here for Press Release or Brochure Information.

Loan Insurance Programs

  • Credit Life Insurance
    Available at a minimal cost and guarantees payment of your loan in the event of death or permanent disability.
  • Credit Disability Insurance
    Available at a minimal cost to eligible borrowers who are temporarily disabled for at least 14 days.

Automatic Loan Payments
If you have Direct Deposit, you can also arrange for automatic monthly loan payment transfers. The loan payment will be automatically deducted from your Regular Share Savings or Share Draft Checking Account. It's the fastest, most convenient way to manage your finances.

An alternative to monthly Loan Payment Transfers is Payroll Deduction. Each month, your authorized loan payments will be deducted from your paycheck. Both programs offer convenience and savings to the member.

The Credit Union Advantage!
Take advantage of the benefits that membership in Kauai Community Federal Credit Union has to offer. You'll enjoy credit plans and loan programs with low rates and reasonable terms. Make your credit union your first choice for all your financing needs. Apply for your loan today

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